*A Coverdell Education Savings Account (ESA), formerly known as an Education IRA, provides tax-free, fixed-rate asset growth for education costs from kindergarten on up. Eligible individuals may contribute up to $2,000 per year on behalf of a child up to age 18. There are income guidelines to establish a Coverdell plan, and you should consult a tax advisor for your specific situation.

Start Saving Now!

Savings & Certificate Account Disclosures

1 A penalty may be imposed for withdrawals before the maturity of a certificate: Terms less than or equal to 12 months may have a penalty equal to 90 days of dividends on the amount withdrawn; Terms greater than 12 months may have a penalty equal to 180 days of dividends on the amount withdrawn.2 Must be age 12 or older for an ATM card.3 Rates are subject to change without notice. All dividends are compounded and paid monthly except Certificate Accounts which are compounded and paid monthly and/or at maturity. Share Accounts have a variable rate and Certificate Accounts have a fixed rate.+ Dividends earned will be based on the interest rate and Annual Percentage Yield (APY) as shown on our Deposit Rate Sheet at the time you open your account. After account opening, you have the option to ReSet your rate one time during the initial term of your certificate by choosing your reset rate from the effective Traditional Certificate rate of the same term. Your reset rate will be effective from the date you contact us and may take up to one business day to process. The stated APY assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded monthly. For full details see Truth and Savings Disclosure for ReSet Certificate at www.kpcu.com. Early withdrawal penalties may apply.

Your KeyPoint savings are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration (NCUA).

Make deposits, withdrawals, and enjoy complete teller services at over 5,000 participating credit unions in the Shared Branch Network.

Savings Rates

Rates Effective: 8/8/18

Savings Account Balance

Dividend Rate

Annual Percentage Yield (APY)

Less than $49,999.99

0.05%

0.0500%

$50,000 or Greater

0.10%

0.1000%

Savings accounts have variable rates. All dividends are compounded and paid monthly.

Rates as of 8/8/2018 and are subject to change. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For more information, see the Truth in Savings Disclosure.

High Yield Savings Account

Rates Effective: 8/8/18

High Yield Savings Balance

Dividend Rate

Annual Percentage Yield (APY)

Less than $25,000

0.20%

0.2002%

$25,000 to $49,999.99

0.25%

0.2503%

$50,000 to $99,999.99

0.30%

0.3004%

$100,000 or greater

0.35%

0.3506%

High Yield Savings Accounts have variable rates. All dividends are compounded and paid monthly.Rates as of 8/8/2018 and are subject to change. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For more information, see the Truth in Savings Disclosure.

Money Market Rates - Individual

Rates Effective: 8/8/18

Money Market

Dividend Rate

Annual Percentage Yield (APY)

$1,000 to $9,999.99

0.20%

0.2002%

$10,000 to $24,999.99

0.25%

0.2503%

$25,000 to $49,999.99

0.30%

0.3004%

$50,000 or greater

0.35%

0.3506%

Balances under $1,000 will earn the regular savings rate. Money Marketing accounts have variable rates. All dividends are compounded and paid monthly.
Rates as of 8/8/2018 and are subject to change. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For more information, see the Truth in Savings Disclosure.

Education Savings Account

Rates Effective: 8/8/18

Term

Dividend Rate

Annual Percentage Yield (APY)

6 months

0.55%

0.5514%

Educational Savings Accounts have a fixed rate and minimum $25 balance. All dividends are compounded and paid monthly and/or at maturity.

Rates as of 8/8/2018 and are subject to change. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For more information, see the Truth in Savings Disclosure.

Certificate, and IRA Certificates (Traditional and Roth)

Rates Effective: 8/8/18

Minimum Term

$1,000 Minimum Balance

1 month

0.25% rate 0.2500% APY

3 months

0.40% rate 0.4005% APY

6 months

0.65% rate 0.6518% APY

12 months

1.15% rate 1.1561% APY

24 months

1.45% rate 1.4597% APY

36 months

1.55% rate 1.5611% APY

48 months

1.70% rate 1.7133% APY

60 months

2.05% rate 2.0694% APY

0.10% bonus with direct deposit. Failure to maintain direct deposit during the term of the Certificate will reduce the rate by 0.10%. Certificate accounts have a fixed rate. All dividends are compounded and paid monthly and/or at maturity. A penalty may be imposed for withdrawals before the maturity of a certificate: Terms less than or equal to 12 months may have a penalty equal to 90 days of dividends on the amount withdrawn; Terms greater than 12 months may have a penalty equal to 180 days of dividends on the amount withdrawn. Certificates must maintain the rate tier minimum balance through the end of the term. If the balance falls below the rate tier minimum balance, the Certificate must be closed.

Rates as of 8/8/2018 and are subject to change. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For more information, see the Truth in Savings Disclosure.

Reset Certificate

Rates Effective: 8/8/18

Minimum Term

$1,000 MINIMUM BALANCE

12 months

1.25% rate 1.2571% APY

24 months

1.55% rate 1.5610% APY

0.10% bonus with direct deposit. Failure to maintain direct deposit during the term of the Certificate will reduce the rate by 0.10%. All Certificates are compounded and paid monthly and/or at maturity. Certificates have fixed rates. Early withdrawal penalties apply. Certificates must maintain the rate tier minimum balance through the end of the term. If the balance falls below the rate tier minimum balance, the Certificate must be closed. Applicable penalties will apply to the principal balance. The stated APY assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded monthly.

After account opening, you have the option to ReSet your rate one time during the initial term of your certificate by choosing your reset rate from the effective Traditional Certificate rate of the same term. Your ReSet rate will be effective from the date you contact us and may take up to one business day to process.

Certificate, and IRA Certificates (Traditional and Roth) Special

Rates Effective: 8/8/18

Minimum Term

$1,000 Minimum Balance

12 months

2.40% rate 2.4265% APY

24 months

2.55% rate 2.5800% APY

60 months (IRA Certificates Only)

3.00% rate 3.0416% APY

All Certificates are compounded and paid monthly and/or at maturity. Certificates have fixed rates. Early withdrawal penalties apply. Certificates must maintain the rate tier minimum balance through the end of the term. If the balance falls below the rate tier minimum balance, the Certificate must be closed. Applicable penalties will apply to the principal balance. The stated APY assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded monthly. All Certificates are for new money only; they are not for existing Certificates of Deposit maturing or money transferred from an existing savings, checking or money market account.

Rates as of 8/8/2018 and are subject to change. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For more information, see the Truth in Savings Disclosure.

Start High. Go Higher with our ReSet Certificate.

Rates are on the rise. With the ReSet Certificate, you can increase your earnings by getting a high rate now; and then you can later reset the interest rate once during the term of the certificate.

Here’s how it works:

Open a 12-month or 24-month term ReSet Certificate with a minimum of $1,000 at the current rate.

If rates rise during the term of your certificate, just contact KeyPoint and ask to “re-set” your certificate.
You can reset your certificate once without any early withdrawal fees or loss of interest. You’ll get the current Traditional Certificate rate (of the same term).

OPEN YOUR RESET CERTIFICATE NOW.

Dividends earned will be based on the interest rate and Annual Percentage Yield (APY) as shown on our Deposit Rate Sheet at the time you open your account. After account opening, you have the option to ReSet your rate one time during the initial term of your certificate by choosing your reset rate from the effective Traditional Certificate rate of the same term. Your reset rate will be effective from the date you contact us and may take up to one business day to process. The stated APY assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded monthly. For full details see Truth and Savings Disclosure for ReSet Certificate at www.kpcu.com. Early withdrawal penalties may apply.